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A foster carer ran an unlicensed cash loan ‘business’ handing over thousands of pounds to friends before demanding it back with interest, a court heard.
Sandra Lowe, 50, known as ‘Dawn’ is alleged to have made a ‘nice little profit’ running the cash loan and catalogue ‘businesses’ in south Manchester – but the 50-year-old says she acted out of charity.
The mum-of-two, of Hulme
, who works as a foster carer for Manchester City Council
, denies eight charges of unlawfully engaging in the activities of a consumer credit business without a licence and one charge of blackmail.
Businesswoman Maria Turner, who the court heard was ‘like a sister’ to Ms Lowe, told court that over a seven-year-period she borrowed ‘no more than £50,000’ from her friend to pay mortgage repayments, a tax demands and finance payments on an Audi.
The prosecution say that she ended up repaying £125,000 – and was told she still had £40,000 left to pay back in 2012, in the weeks before Ms Lowe was arrested.
Miss Turner, who runs sandwich shop ‘Mia’s’, at Burleigh Road, Stretford
, told the court she now felt an ‘idiot’ for not keeping track of how much she owed Ms Lowe and losing grip of her finances.
She said her financial problems ‘snowballed’ under the ‘enormous pressure’ of running a sandwich shop, a chip shop, an ironing business and nine by-to-let properties.
She said that when her home was repossessed in 2011 she stayed with Ms Lowe, who talked her out of ‘driving off Barton Bridge’.
But she claims that the day after, the defendant made her sign a document saying she still owed her £52,000, despite the fact she had been paying her hundreds pounds a week for several years.
Sobbing, she told court: “When I saw the £50,000 what I owed it kind of sent me to another place. I thought ‘I’ll never do it – I’ll be paying it until I’m seventy.”
It’s alleged that Lowe ‘demanded money with menaces’ between May and July 2012.
Summarising the alleged demands, Miss Turner said: “She said, you better get the money in else I’ll tell your son, I’ll come to the shop and take it out of the till.”
“I was waking up to it and going to bed with it – I was mithered to death”, she said of demands for repayment. Describing the effect of receiving a text from Ms Lowe which read ‘I dont care where it comes from but that £500 needs to go into my account.’
She said: “It was awful, terrible, disgusting. It makes your body shake… you can’t focus, your mind’s in a spin. You want to rob a bank to pay it.”
The prosecution also allege that Ms Lowe ran an unlicensed catalogue business, supplying pals with goods she had ordered from firms such as Kays and Argos at a profit.
Following her arrest, Ms Lowe insisted that she did work for Kays, although the prosecution says the firm has no record of her.
Opening the case, Ben Mills, prosecuting, told the jury: “She says this was all charity work – me loaning money for nothing, me administering all these loans for nothing, Was it out of the goodness of her heart? That’s what you will have to consider in her case.”
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You’ve got to hand it to Virgin Atlantic: This flight attendants as superheroes ad is pretty amazing
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Verizon Communications Inc. (VZ) is reportedly seeking loan to finance its mega buy of 45% stake in Verizon Wireless, which currently remains unacquired from Vodafone Group PLC (VOD). The loan amount will consist of $14 billion divided into a $2 billon, 364-day revolving credit facility and $12 billion for three and five-year term loans.
Further, the $2 billon revolving facility will be priced at 10bp on undrawn amounts, while the drawing price would remain LIB+125. In addition, the total $12 billion term loan will be divided equally into $6 billion priced at LIB+137.5 for the three-year term loan and LIB+150 for the five-year term loan.
These loan facilities are part of Verizon’s financing package for its $130 billion worth acquisition plan. The company is also looking forward to a $49 billion bridge loan priced at LIB +150 that would be further refinanced with the company’s issues in the bond market.
According to news reports, Verizon is also coming up with plans like issuing bonds and may raise upto $50 billion, representing the largest corporate bond sale ever for the company. Verizon is expected to offer this loan in several tranches with maturity ranging from five years to as many as 100 years.
In addition, the issues are expected to be in several currencies predominantly in U.S. dollar, which can be up to $20 billion, which is even higher than the $17 billion debt raised by Apple Inc. (AAPL) in April this year that represented one of the biggest debt sale in the U.S. corporate history.
Although these debts can enable the company to undertake its mammoth acquisition plan smoothly, we believe the additional financial burden will remain deterrent to investors’ interest. As of Jun 30, the company already has long-term debt (including current portion) of $49.8 billion, representing a debt-to-capitalization ratio of 36.3%.
Further, the company’s balance sheet position reflects cash and cash equivalents of only $5.5 billion, which makes its imperative for it to rely on debt funds to carry out the transaction. In such an event, we believe this would directly reflect on investor returns, resulting in lower dividend payout from the current dividend.
Verizon, which operates with other telecom players like AT&T, Inc. (T) currently has a Zacks Rank #3 (Hold).
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St. Mary’s, GA (PRWEB) August 22, 2013
Online pawning professionals PawnElite launches updated website to provide individuals, small businesses quick cash for life’s unexpected needs.
Student loan payments, insurance, doctor’s bills. Money needs can surprise anyone at anytime. Now small business owners and individuals can get the fast cash they need with PawnElite, online pawning professionals with two generation’s worth of experience. PawnElite recently updated http://www.pawnelite.com to provide customers with a quicker and easier way to pawn or sell valuable items in the privacy of their home or office.
“We’ve all found ourselves in a tight financial spot,” said Scott Herman, founder and chief executive officer of PawnElite. “Banks take too long to approve loans, pay-day lenders might make you uncomfortable and online auction sites are iffy at best. We help you avoid those hassles. You can pawn your valuables for a loan and keep them or secure a lump sum of cash with an instant-sell feature. It’s up to you.”
The updated PawnElite website offers one of the fastest ways to get money without dinging a credit rating, visiting a neighborhood pawnshop or paying ridiculous interest rates. Easy to navigate and attractive, the website lets users quickly begin the secure loan or sell process with just a few clicks.
The PawnElite process is simple. A customer provides PawnElite with a quick description and photo of a valuable item. Within 60 minutes, PawnElite’s highly-skilled appraisers provide an offer and a prepaid FedEx shipping label. When the customer is ready, FedEx collects the fully insured valuable and delivers it to PawnElite. If the customer accepts PawnElite’s offer, the cash is available within 24 hours. If not, the valuable is returned immediately.
Employing a staff with more than a half-century of appraisal experience, PawnElite specializes in precious metals, designer jewelry and gemstones. PawnElite typically loans against:
Gold, silver and other precious metals
Diamonds and jewelry
Ready to serve small businesses and individuals with needs big or small, PawnElite can loan up to $1,000,000 with a minimum of $400, and offers some of the lowest pawn fees in the business. Plus, with PawnElite, users can choose their payment terms and even have payments debited from a bank account. PawnElite also helps customers extend loan periods and never charges a penalty for doing so.
“No shipping and storage fees, no credit checks, no waiting and no paperwork: PawnElite is revolutionizing online pawning by providing people with the cash they need, when they need it most,” said Herman.
One of the first full-service online pawnshops, PawnElite helps individuals and small business owners obtain the cash they need to handle life’s rough patches without long waits, leaving their home or office or tedious paperwork. Discreet, fast and secure, the PawnElite online pawning process offers the highest and most accurate value for a customer’s items and endeavors to treat everyone with dignity and respect. For more information, please visit http://www.pawnelite.com .
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Cash is a great fallback, but a thoughtful graduation gift can pay dividends
• Published June 02, 2013
Modified June 01, 2013
In the past seven years, student loan debt for borrowers younger than 30 has catapulted, hitting $322 billion in December 2012, a 124 percent increase from 2005, according to a recent Federal Reserve Bank of New York study.
To get graduates off on a financially balanced footing, here are some money-savvy gift ideas.
CASH ALTERNATIVE: “Obviously, cash is king,” said personal finance blogger Joseph Audette, a personal finance writer/blogger for NerdWallet. But students, especially high school graduates juggling their own finances for the first time, can quickly blow through a lot of cash, he notes. Instead? “Get a gift card from the university’s student bookstore. It’s a little more thought than writing a check and lets them use the funds for things they’ll really need in school.”
OLD SCHOOL: In their young lifetimes, many graduates today have likely never seen one: a paper U.S. savings bond. They became extinct on Jan. 1, 2012, and can be purchased only in digital form. (The only exception: Paper savings bonds can be purchased using your IRS tax refund.) To give a student a Series EE or I electronic savings bond — in amounts starting at $25 — go to the U.S. Treasury website, TreasuryDirect.gov. It also offers free graduation gift cards that you can personalize and print out to include with your gift.
LONG-TERM GIFTING: To introduce a young graduate to the benefits of long-term investing, try a mutual fund, said Lon Burford, a partner with wealth management firm Genovese Burford & Brothers in Sacramento. A fund such as the Vanguard S&P 500, he said, is “a great teaching opportunity financially as graduates begin getting closer to when they’ll stand on their own two feet.
“With one gift, you’re helping them own Apple, Microsoft and Google — companies they’re interested in,” said Burford, as well as stock stalwarts such as Chevron and Procter & Gamble.
GIVE A SHARE: If you prefer, individual shares of stock — say, in a student’s favorite company — also can be a gift that keeps on growing. Obviously, a $450 share of Apple is beyond most budgets, but plenty of other companies are affordable.
Low-cost online stock-buying sites, such as Capital One’s ShareBuilder, let a graduate get started. Its “Gift of Stock” promotion — with a $50 bonus for new accounts — is tied to graduates.
There also are personalized stocks from sites such as OneShare.com in San Francisco, where you can buy a single share of a favorite stock, such as Nike or Disney. They can be framed with customized inscription.
JOB-HUNTING HELP: For graduates heading into the work world, consider these: A new jacket or updated skirt/shirt for interviews. A résumé- or blog-writing class. A laptop, if one is needed. A membership in a college alumni organization, which can help with job connections.
IT’S THE THOUGHT: Regardless of how much you spend, try to make it personal to what the graduate truly wants or needs, said Pam Krueger, executive producer of “MoneyTrack,” the PBS financial series.
Lastly, the best gift may be the simplest: a personal, inspiring message.
“Graduation is such a milestone moment,” said Krueger. “I still have a card from my dad that had five little words that I’ve carried with me ever since: ‘I have faith in you.’”
Claudia Buck writes for The Sacramento Bee.
Let’s face it. When it comes to graduation gifts, most students would probably prefer cold, hard cash. Or maybe a plane ticket for a European backpacking trip or a Mexican beach vacation.
But as student loan debt has leapt higher than a souped-up SAT score, it may be wise to think twice about what makes a good graduation gift. To get graduates off on a financially balanced footing, here are some money-savvy gift ideas.
“Obviously, cash is king,” said personal-finance blogger Joseph Audette for NerdWallet.
But students can quickly blow through a lot of cash, he notes. Instead?
“Get a gift card from the university’s student bookstore. It’s a little more thought than writing a check and lets them use the funds for things they’ll really need.”
Give a book
Too often, friends and family feel pressure to spend lavishly on a graduation gift, said Audette, who says $25 to $50 or even a money-minded book can be more than adequate. For the latter, he recommends:
• “The Millionaire Next Door”: “An easy read that puts young people in the right mindset” for managing their spending and savings.
• “A Random Walk Down Wall Street”: “A classic (that) provides great background for young graduates interested in investing.”
To give a student an EE or I electronic savings bond — in amounts starting at $25 — go to the U.S. Treasury website, TreasuryDirect.gov. It also offers free graduation-gift cards that you can personalize and print out to include with your gift.
To introduce a young graduate to the benefits of long-term investing, try a mutual fund, said Lon Burford, a partner with wealth management firm Genovese Burford & Brothers in Sacramento, Calif. A fund like the Vanguard S&P 500, he said, is “a great teaching opportunity financially as graduates begin getting closer to when they’ll stand on their own two feet.”
Give a share
If you prefer, individual shares of stock — say, in a student’s favorite company — also can be a gift that keeps on growing. Obviously, a $450 share of Apple is beyond most budgets, but plenty of other companies are affordable.
Low-cost online stock-buying sites, like Capital One’s ShareBuilder, let a graduate get started. Its “Gift of Stock” promotion — with a $50 bonus for new accounts — is tied to graduates.
There also are personalized stocks from sites like OneShare.com, where you can buy a single share of a favorite stock, such as Nike or Disney. They can be framed with customized inscription.
For graduates heading into the work world, consider these: A new jacket or updated skirt/shirt for interviews. A resume- or blog-writing class. A laptop, if one is [...]
U.S. businesses with the most cash
are holding more than $425 billion overseas as they tap the bond
market to help sidestep a corporate tax rate that Apple Inc. (AAPL)’s
Tim Cook says handicaps American competitiveness.
Among the 100 non-financial companies with the most cash
and marketable securities, 31 that disclose funds parked in
foreign units have sold $103 billion of dollar-denominated bonds
since the start of 2012, according to data compiled by
Bloomberg. Cupertino, California-based Apple, which issued a
record $17 billion of bonds on April 30, leads borrowers from
Microsoft Corp. (MSFT) to Nike Inc. (NKE) paying an average of 2.38 percent
annually to borrow for about 12 years.
Raising domestic funds with debt instead of repatriating
non-U.S. holdings allows companies to exploit both record-low
yields and tax-deductible interest payments while also avoiding
a government levy of as much as 35 percent on the cash.
Washington’s tax code has failed to keep up with the digital age
by making it too costly to bring money home, Cook said last week
in congressional testimony. Of the iPhone maker’s $145 billion
of cash, 70 percent is held overseas.
“There’s this giant arbitrage game going on,” Edward Kleinbard, a tax law professor at the University of Southern
California, said in a telephone interview from Los Angeles. By
issuing dollar debt, “firms are leaving their worldwide
interest expense in the United States, where they’re deducting
that interest against their highest-taxed income in the world,
and getting cash to fund dividends or stock buybacks,” he said.
Global demand for information-technology multinationals has
left the businesses with at least $340 billion abroad, the most
of any industry, Bloomberg data show. The companies have issued
about $40 billion of bonds since the beginning of last year.
Conditions are ripe for technology borrowers to boost
leverage to fuel equity returns that have underperformed the
broader market, Barclays Plc analysts including Danish Agboatwala wrote in a May 16 report. Microsoft, Intel Corp. and
Cisco Systems Inc. will likely continue to use debt offerings to
“synthetically” unlock foreign cash.
“It’s a no-brainer,” John Lonski, chief economist for
Moody’s Capital Markets Research Group in New York, said in a
telephone interview. “Cash may be overseas, but through the
credit market it can be put to work, at least for the benefit of
Elsewhere in credit markets, Pfizer Inc. (PFE) issued $4 billion
of securities in its first dollar-denominated debt sale in more
than four years. Yields on Fannie Mae and Freddie Mac mortgage
bonds that guide U.S. home-loan rates rose to the highest in 13
months. Valeant Pharmaceuticals International Inc. obtained as
much as $7.2 billion of debt financing for its purchase of
Bausch & Lomb Holdings Inc.
The U.S. two-year interest-rate swap spread, a measure of
debt market stress, rose to the highest level since March,
climbing 3.2 basis points to 18.2 basis points. The gauge widens
when investors seek the perceived safety of government
securities and narrows when they favor assets such as corporate
The Markit CDX North American Investment Grade Index of
credit-default swaps, which investors use to hedge against
losses or to speculate on creditworthiness, fell 0.6 basis point
to a mid-price of 75.5 basis points, according to prices
compiled by Bloomberg.
The Markit iTraxx Europe Index of 125 companies with
investment-grade ratings rose three to 98 at 1:15 p.m. in
London. In the Asia-Pacific region, the Markit iTraxx Asia index
of 40 investment-grade borrowers outside Japan added one to 107.
The indexes typically fall as investor confidence improves
and rise as it deteriorates. Credit swaps pay the buyer face
value if a borrower fails to meet its obligations, less the
value of the defaulted debt. A basis point equals $1,000
annually on a contract protecting $10 million of debt.
Bonds of Fairfield, Connecticut-based General Electric Co. (GE)
were the most actively traded dollar-denominated corporate
securities by dealers yesterday, accounting for 3.7 percent of
the volume of dealer trades of $1 million or more, according to
Trace, the bond-price reporting system of the Financial Industry
The four-part offering by Pfizer, the world’s largest
drugmaker, included $1 billion of 3 percent, 10-year debt paying
a yield of 87.5 basis points more than similar-maturity
Treasuries, Bloomberg data show. New York-based Pfizer last sold
dollar-denominated bonds in March 2009, issuing $13.5 billion of
securities in five parts.
Fannie Mae’s current-coupon 30-year securities climbed 0.09
percentage point to 2.91 percent, the highest since April 2012,
Bloomberg data show. The yields have risen from a record-low of
1.68 percent reached Sept. 26, after the Federal Reserve
announced it would start buying $40 billion of government-backed
housing debt a month, embarking on its third round of so-called
quantitative easing to spur growth.
Yields on mortgage-bonds are rising after Fed Chairman Ben S. Bernanke told lawmakers last week that the pace of purchases
could be reduced if the economy shows sustained improvement,
sparking concern that values of the debt will fall as the
central bank pulls back from the market.
The Standard & Poor’s/LSTA U.S. Leveraged Loan 100 Index
fell 0.05 cent to 98.64 cents on the dollar, the lowest since
May 3. The measure, which tracks the 100 largest dollar-denominated first-lien leveraged loans, has gained 3.14 percent
Leveraged loans and high-yield bonds are rated below Baa3
by Moody’s Investors Service and lower than BBB- at S&P.
Valeant got financing of $6.7 billion to $7.2 billion from
Goldman Sachs Group Inc. to help fund its $4.5 billion purchase
of Bausch & Lomb and will spend $4.2 billion to repay the eye-care company’s debt, according to a joint company statement.
In emerging markets, relative yields widened 5 basis points
to 298 basis points, or 2.98 percentage points, according to
JPMorgan Chase & Co.’s EMBI Global index. The measure has
climbed from 275 on May 10, the least in almost three months.
Of 100 U.S. non-financial companies with more than $1.1
trillion of cash and marketable securities, at least 45 disclose
overseas holdings in regulatory filings, Bloomberg data show.
Those companies keep more than 65 percent of their $654 billion
of total cash outside the country, with 31 of them issuing
dollar-denominated bonds since the start of 2012.
Under the U.S. tax code, companies pay foreign taxes on
income earned outside the U.S. If they bring back the money,
they must pay the full U.S. tax rate of 35 percent after taking
credits for foreign taxes paid.
Apple alone skirted as much as $9.2 billion in taxes by
borrowing rather than repatriating funds, Gerald Granovsky, an
analyst at Moody’s, estimated this month. Because interest
payments are tax-deductible, Apple saves about another $100
million a year, he said.
“We pay all the taxes we owe — every single dollar,”
Cook, Apple’s chief executive officer since 2011, said in
testimony on May 21 to the Senate Permanent Subcommittee on
Investigations in response to accusations the company had
created a web of offshore entities to avoid paying U.S. taxes.
Adding debt to Apple’s capital structure will help with
“efficient leverage of our very strong balance sheet,” Apple
Chief Financial Officer Peter Oppenheimer said on an April 23
conference call with investors.
Steve Dowling, an Apple spokesman, declined additional
The 31 U.S. corporate borrowers are paying less than
governments from Brazil to South Korea to raise funds in the
bond market with interest expenses than can be deducted against
More than $57.5 billion of their debt sold since the start
of 2012 was issued to mature in 10 years or more and has an
average coupon of 3.36 percent, Bloomberg data show. That
compares with the 4.74 percent yield as of yesterday on similar-maturity bonds for investment-grade companies in the U.S.,
according to Bank of America Merrill Lynch index data.
“To issue debt is very cost-effective for them,” Wesley Sparks, head of U.S. fixed income at Schroder Investment
Management North America Inc., which manages about $25 billion
of the assets, said in a telephone interview. “We can take
comfort in that, if worst comes to worst, and at some future
point there’s a recession and they needed to tap the cash, they
could bring it home.”
Microsoft, which sold $1.95 billion of dollar bonds in
April after a $2.25 billion offering five months earlier, ranks
second to Apple with $74.5 billion of cash on March 31, $66
billion of which was held in foreign subsidiaries, according to
an April 18 regulatory filing.
Cisco, which last sold new debt in 2011, keeps more than 80
percent of its $47.4 billion stockpile overseas, according to
its filing. Nike, with 72 percent of its $4 billion in cash held
in foreign subsidiaries, last month entered the bond market for
the first time in a decade with a $1 billion offering. Intel,
which borrowed $6 billion in December, doesn’t disclose foreign
“Given the historically low interest-rate environment that
prevails today, we view the prudent use of debt as a cost
effective and efficient tool in our long-term capital deployment
strategy,” Mary Remuzzi of Nike said in an e-mail.
Intel raised funds in December to “take advantage of
historically low interest rates,” said Chris Kraeuter,
spokesman for the Santa Clara, California-based chipmaker. “Our
capital allocation philosophy seeks to balance ongoing capital
expenditures, growth investments and direct return of capital to
shareholders through share repurchases and dividends.”
Peter Wootton, a spokesman for Redmond, Washington-based
Microsoft, and Kristin Carvell of Cisco declined to comment.
Offering documents for each bond sale cited share
repurchases as a potential use of proceeds. Apple’s
unprecedented borrowings will help finance a $100 billion
capital reward for equity owners.
“Companies can do almost anything with their offshore,
lightly taxed earnings, except use them for dividends or stock
buybacks,” Kleinbard said.
While companies with multinational operations have lobbied
for years to lower corporate tax rates in exchange for bringing
some of their offshore cash home, the push to rewrite tax laws
has cooled as the pace of deficit growth slows and lawmakers
work to revise immigration law.
The U.S. captured just 9 percent of its federal tax
revenues from companies in 2010, down from 32 percent in 1952,
according to a 2011 Congressional Research Service report. The
Fed’s plan to aid an economic recovery by purchasing assets and
suppressing interest rates has only made borrowing a more
attractive option for companies with offshore cash.
“The real risk is when it comes to refinancing all this
new debt, three or five or seven or 10 years from now, in an
environment where the yield curve will in all probability be
higher,” said Alan Shepard, an analyst and money manager at
Madison Investment Advisors Inc., which oversees about $16
billion in Madison, Wisconsin. “Obviously, the board rooms are
betting on the repatriation tax being repealed or strongly
curtailed by then so they can then get the cash back to reduce
The following is a table of cash held overseas by U.S.
companies and bonds issued since the beginning of 2012, using
data compiled by Bloomberg:
Company Name Overseas Cash Bonds Issued
In billions of dollars
Apple Inc. $102.3 $17
Microsoft Corp. $66 $4.2
Cisco Systems Inc. $39.5 $0
Google Inc. $31.1 $0
Oracle Corp. $27.4 $5
Qualcomm Inc. $19.3 $0
Coca-Cola Co. $15.2 $5.25
Merck & Co. $12.8* $9
Hewlett-Packard Co. $11.3** $2
Medtronic Inc. $10.99 $4.08
EBay Inc. $8 $3
*Merck figure based on 80 percent of the company’s $16 billion
in cash. The company says generally 80 percent to 90 percent of
its cash and investments are held by foreign units.
**Hewlett-Packard’s figure based on estimate of 90 percent of
the company’s $12.6 billion of cash. The company says
“substantially all” of its cash balances are outside the U.S.
To contact the reporter on this story:
Charles Mead in New York at
To contact the editor responsible for this story:
Alan Goldstein at
Cash Left Untaxed Aided by $103 Billion in Bonds
David Paul Morris/Bloomberg
Apple, which issued a record $17 billion of bonds on April 30, leads borrowers from
Microsoft Corp. to Nike Inc. paying an average of 2.38 percent annually to borrow for about 12 years.
Apple, which issued a record $17 billion of bonds on April 30, leads borrowers from
Microsoft Corp. to Nike Inc. paying an average of 2.38 percent annually to borrow for about 12 years. Photographer: David Paul Morris/Bloomberg
(Corrects Bloomberg Television show’s name in headline.)
May 26 (Bloomberg) — Senator Carl Levin, a Michigan Democrat, talks about the Senate’s investigation into Apple Inc.’s use of offshore tax shelters and the outlook for U.S. tax policy.
Donna Harris, co-founder of 1776, and Bloomberg’s Afzal Bari discuss crowdfunding. They speak with Peter Cook on Bloomberg Television’s “Capitol Gains.” (Source: Bloomberg)
May 22 (Bloomberg) — Glenn Hubbard, dean of Columbia University’s business school, talks about Federal Reserve policy, the need to overhaul U.S. tax laws and JPMorgan Chase & Co. Chief Executive Officer Jamie Dimon.
Hubbard speaks with Tom Keene, Sara Eisen, Michael McKee and Scarlet Fu on Bloomberg Television’s “Surveillance.” Thomas Michaud, chief executive officer of KBW Inc., also speaks. (Source: [...]